Home Loans

Your needs can vary depending on the stage of life you are in. With Midwest Bank, our level of service will never vary. Exceptional personal service is our mission, and it is exactly what you will experience as you work with our loan professionals.

What home loan programs are right for you? We'll make it easy. Tell us what your goals are and we'll take care of the rest.

Purchasing a New Home?

Fixed Rate Mortgage
Never worry about fluctuations in rate affecting your payment. With our Fixed Rate Mortgage, you can choose from a variety of terms and begin building equity in your home.

Balloon Loan
With a Balloon Loan, you will have a fixed rate with set payments for a specific term of the loan. When the term ends, the balance is due and could be renegotiated at that time.

USDA Rural Development Guaranteed Home Ownership Loan Program
As an approved lender, we are able to offer you this program through the USDA. If the down payment has been holding you back, you too can make your dreams a reality. Through this program you could qualify for 100% financing. Consult your Midwest Bank lender for additional details. Click Here for information.

VA Home Loan
These loans are backed by the US Department of Veterans Affairs and are available to Veterans, Active Duty Personnel, Reservists/National Guard Members and some surviving spouses. Click Here to see if you qualify.

Bridge Loans
Don't let the worry of selling your current home distract from the joy of purchasing a new home. With a Bridge Loan, you can put your focus where it should be, on settling into your new home.

Refinancing Your Existing Home?

Fixed Rate Mortgage
Never worry about fluctuations in rate affecting your payment. With our Fixed Rate Mortgage, you can choose from a variety of terms and begin building equity in your home. During your refinance process, ask about cashing in on the equity you have in your home.

Balloon Loan
With a Balloon Loan, you will have a fixed rate with set payments for a specific term of the loan. When the term ends, the balance is due and could be renegotiated at that time. A Balloon Loan also allows you the opportunity to use the equity in your home to get cash.

USDA Rural Development Home Loans
As an approved lender, we are able to offer you this program through the USDA. If the down payment has been holding you back, you too can make your dreams a reality. Consult your Midwest Bank lender for additional details. Click Here for information.

VA Home Loan
These loans are backed by the US Department of Veterans Affairs and are available to Veterans, Active Duty Personnel, Reservists/National Guard Members and some surviving spouses. You could qualify for a traditional refinance, cash out refinance or Interest Rate Reduction Loan (IRRL). Click Here to see if you qualify.

First-Time Homebuyer?

NIFA (Nebraska Investment Finance Authority) First-Time Homebuyer
Think owning a home is out of your reach? By offering special programs through NIFA, you will be moving in before you know it. As a participating lender, we can offer you low-interest, low-down payment mortgages to help you buy and enjoy the home of your dreams. Click Here to learn more.

USDA Rural Development Home Loans
As an approved lender, we are able to offer you this program through the USDA. If the down payment has been holding you back, you too can make your dreams a reality. Consult your Midwest Bank lender for additional details. Click Here for information.

FHLBank Assistance Programs
As a First-Time Homebuyer who chooses Midwest Bank, you have access to the Homeownership Set-Aside Programs through the Federal Home Loan Bank. These are down payment assistance programs designed to help first-time homebuyers in rural areas. To read more, Click Here.

Contact your local Midwest Bank lender for other Down Payment Assistance Programs available in your area.

Home Equity Line of Credit

A Home Equity Line of Credit (HELOC) is a smart option when looking to make home improvements, large purchases, pay college tuition or consolidate debt. With competitive rates, Home Equity Lines of Credit are a great way to put the equity you have in your home to work for you. Once established, you can access the funds as you need them, allowing you to borrow, repay, and do it again. Also, make sure to consult with your tax advisor about tax deductions.

Home Equity Loan

A Home Equity Loan is a one time, fixed rate loan, fixed payment loan that can be used for various needs as they arise. Using the equity you have in your home is a smart way to finance home improvement projects, vacations, or other purchases you have planned. Affordable rates and payment schedules make this a sensible option for any homeowner. Also, consult with your tax advisor about tax deductions.